BlastPoint's Credit Union Scorecard
NORTH MEMORIAL
Charter #16248 · MN
NORTH MEMORIAL has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.82% above tier average
- + Net Charge-Off Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits +0.6% year over year ($44.4M in shares and deposits).
- Membership: 4,526 members, +0.4% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 1.04%.
- Efficiency ratio 80.88% vs a 88.77% peer average.
- Loan-to-share ratio 68.95% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,526
+0.4% YoY-0.0% QoQ
|
+1.9K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$50.7M
+1.5% YoY-0.3% QoQ
|
+$20.5M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$30.6M
-4.2% YoY+2.6% QoQ
|
+$15.1M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$44.4M
+0.6% YoY-1.0% QoQ
|
+$18.6M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
78% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
-30.8% YoY+0.2% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
4.7%
-3.2% YoY-0.1% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
80.9%
+16.7% YoY-0.1% QoQ
|
-7.9% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
0.7%
-33.9% YoY+2.8% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
69.0%
-4.8% YoY+3.6% QoQ
|
+10.1% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
65% |
| AMR |
$16,557
-1.9% YoY+0.5% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
20.6%
-1.6% YoY+0.2% QoQ
|
-3.9% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)